Texas Vet & VA loans in McLennan County, Texas
Veterans across McLennan County use the Texas Vet (VLB) program to compete in today's market — a weekly, state-set rate that often beats the open market, with the VA benefit layered on for no down payment. Pairing the VLB loan with your VA benefit means a discounted rate and zero down on the same home. Our partner loan officers serve veterans from the county seat of Waco to every community across McLennan County.
McLennan County at a glance
In McLennan County, the typical home was listing around $309,175 as of June 2026 and the median household income is about $68,096 (2024). For a veteran buying here, a $0-down Texas Vet or VA loan means that price needs no down payment, and the below-market VLB rate keeps the monthly payment within reach.
Why McLennan County veterans choose the Texas Vet program
- Up to $832,750 financed on a fixed 15, 20, 25, or 30-year term
- A reusable benefit that travels with you to your next Texas home
- $0 down when the Texas Vet rate is paired with your federal VA loan benefit
- Use it to buy a home — the VLB also offers Texas land and home-improvement loans
Veterans across McLennan County use the Texas Vet program to buy with little or no money down at a below-market rate; the check confirms what you qualify for in about a minute.
Credit matters less than you think
The VA sets no hard minimum credit score. Lenders often look for around 620, but the program's residual-income test — money left over after your bills — is generous, which is why many veterans qualify when conventional lenders say no.
VLB land loans for Texas veterans
Beyond home loans, the Texas Veterans Land Board offers a land loan that lets eligible veterans buy acreage in Texas — often with as little as 5% down — even when traditional banks won't finance raw land. It's a benefit unique to Texas.
Divorce and your VA entitlement
If your ex keeps the home and the VA loan, your entitlement stays tied to that property until it's refinanced or paid off — which can block your next $0-down purchase. Texas's owelty of partition lien, written into the decree, helps the spouse keeping the home refinance the equity buyout. Sort the mortgage before the decree is final.